Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$122,455Cash toward the purchase price.
Closing costs + prepaids$17,300Not just lender fees.
Before credits & paid funds$139,755The complete starting cash picture.
Estimated remaining funds due at closing
$139,755No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,455.17
Your down payment$122,455.17
Closing costs + prepaids$17,299.54
Total buyer cash needed$139,754.71
Remaining funds due$139,754.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$7,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,962.72
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$861.50
Initial HOA (3 months)$31.50
Prepaid interest, first (1 days)$75.81
Fees + prepaids$17,299.54
Your down payment is the seller’s equity. You take over the $592,545 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $139,754.71 is due at closing. Uses and sources reconcile at $732,299.54 each. Not a Closing Disclosure.